Medical expenses related to the treatment of any illness within 30 days from the first day of commencement of the policy will be excluded.
Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, treatment for gallstones and renal stones are not covered during the first year of the policy.
Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint, Prolapse of the intervertebral and many other diseases, after two years from the date of commencement of policy will be excluded.
Expenses related to X-ray, or laboratory examinations other than primary hospitalization will be excluded.
Cost of medical aids such as wheelchairs, crutches, contact lenses, hearing aids etc.
Circumcision, vaccination, inoculation, and dental treatment.
Cosmetic and aesthetic treatments.
Change of gender treatments, sterility and infertility treatments.
Expenses related to obesity treatments and weight management treatments or any unproven treatment.
Sexually transmitted diseases, HIV, venereal diseases.
Refractive Error, spectacles, correction of eyesight.
Expenses related to any hazardous or adventure sports.
Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
Treatment for Alcoholism, drug or substance abuse or any addictive condition.
Injuries caused while under the influence of alcohol or drugs.
Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.
Hospitalization out of war, nuclear weapons, riots, and strikes.